Personal Instalment Loan

Our Personal Instalment Loan enables you to achieve your dreams and desires, with absolute ease! With a preferential low interest rate, a flexible loan tenor, and a handling fee waiver for the entire repayment period, it gives you ample cash when you most need it! Bring on those BIG dreams!

Interest Rate Offer

  • Monthly flat rate as low as 0.09%1&2, annualized percentage rate as low as 2.01%1&2

Cash Rebate

  • Apply on or before 31 December 2017 to enjoy HK$100 reward after successful approval3.

Product Features

  • Loan amount up to HK$4,000,000 or 10 times of monthly salary (whichever is lower)
  • Flexible loan tenor up to 60 months
  • Handling fee waiver for entire repayment period

Monthly Repayment Schedule

Existing Banking Customer4

Loan Amount(HK$) Monthly Flat Rate (APR) 2 Monthly Repayment Amount(HK$)5
$1,000,000 or above 0.09% (2.01%) 842.33
$800,000-$999,999 0.125% (2.79%) 845.83
$500,000-$799,999 0.135% (3.02%) 846.83
$300,000-$499,999 0.155% (3.47%) 848.83
$100,000-$299,999 0.165% (3.70%) 849.83
$50,000-$99,999 0.175% (3.92%) 850.83
$10,000-$49,999 0.185% (4.15%) 851.83

Normal Customer

Loan Amount(HK$) Monthly Flat Rate (APR) 2 Monthly Repayment Amount(HK$)5
$1,000,000 or above 0.110% (2.46%) 844.33
$800,000-$999,999 0.146% (3.27%) 847.93
$500,000-$799,999 0.155% (3.47%) 848.83
$300,000-$499,999 0.175% (3.92%) 850.83
$100,000-$299,999 0.195% (4.38%) 852.83
$50,000-$99,999 0.210% (4.72%) 854.33
$10,000-$49,999 0.230% (5.18%) 856.33

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To borrow or not to borrow ? Borrow only if you can repay !



The above-mentioned offer is subject to terms and conditions, please refer to the relevant terms and conditions for details or visit any branches for enquiry.

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